fixed expenses grants car insurance nonsufficient funds cover letter fee schedule bonds portfolio capital gains PIN Personalidentification Number Resume diversification realestate budget surplus benefits bank statement checking account health insurance identity theft capital losses bull market bear market liquidity credit union volatility fraud mutual funds budget variable expenses stocks beneficiary savings account scholarships safe deposit box Federal Trade Commission FTC dividends asset allocation APY Annual Percentage Yield overdraft overdrawing budget deficit 1 2 3 When the stock market is trending downward Expenses that may increase or decrease from month to month yaxialble expenses A kind of investment made up of a group of securities stocks or bonds The fund is created and managed by a business with the intention of increasing profits and returns for the fund s shareholders 4 Money for education given to a student based on criteria such as academic ability or athletic skill schebychips 5 An office of the government responsible for consumer protection They deal with cases like identity theft credit card mistreatment and fraudulent sales schemes ETC Distributing investments among different asset classes Stocks bonds options mutual funds CDs T bills etc are examples of different classes of assets 6 7 A complete list of fee charges on bank accounts Banks are mandated to create and provide these schedules to customers by the Truth in Savings Act 8 Intentional deceit for the purpose of gain 9 A contract between you and the insurance company that protects you against financial loss in the event of an accident or theft In exchange for your paying a premium the insurance company agrees to pay your losses as outlined in your policy 10 The percentage interest payments on a bank account on a yearly basis The Truth in Savings Act of 1991 required that banks calculate and demonstrate to consumers a standardized APY for an account so that various accounts are directly comparable 11 A way of managing the financial risks of getting sick or injured In exchange for a monthly fee called a premium the insurance will pay for hospital medical and drug costs 12 Negative returns on an investment that involve selling the asset for less than was paid for it 13 A personal career document outlining professional job history and experience which highlights abilities and education Resume